TFC
BULLISH
$49.43
Live
Truist Financial Corporation · NYSE
Target $54.13
(+9.5%)
$35.0
52W Range
$56.2
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 17, 2026
Market cap
$63.23B
P/E
12.94
ROE
8.2%
Profit margin
28.8%
Debt/Equity
N/A
Dividend yield
4.21%
AI Analysis
AI-powered fundamental assessment
Confidence
75%
TFC presents a compelling value opportunity, trading significantly below its Graham Number ($64.06) and Intrinsic Value ($88.62). While the Piotroski F-Score of 4/9 indicates only stable financial health and technical trends are currently bearish, the fundamental valuation metrics (P/E of 12.94 and P/B of 1.04) are highly attractive. Strong year-over-year earnings growth of 23.1% and a sustainable 4.21% dividend yield provide a solid floor for investors. The disconnect between the deep value and the bearish insider/technical signals suggests a potential contrarian entry point.
Key Strengths
Significant discount to Graham Number and Intrinsic Value
Strong YoY earnings growth of 23.1%
Attractive dividend yield of 4.21% with a sustainable 54.45% payout ratio
Low Price-to-Book ratio (1.04) indicating fair asset pricing
Consistent history of earnings beats over the last 25 quarters
Key Risks
Bearish insider sentiment with recent sales by the CFO and Directors
Technical trend is currently 0/100 (Bearish)
Slow top-line revenue growth (3.20% YoY)
Piotroski F-Score of 4/9 suggests only mediocre financial health improvement
Exposure to regional banking sector volatility
AI Fair Value Estimate
Based on comprehensive analysis
$71.34
+44.3% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
74
Strong
90
65
85
50
80
AI Verdict
Strong Value Play
Key drivers: Deep valuation discount, Earnings acceleration, Dividend stability
Confidence
80%
Value
90/100
Ref P/E, PEG, Graham Number
Positives
- P/E 12.94 is low
- Price is well below Graham Number ($64.06)
- P/B near 1.0
Watchpoints
- Price/Sales is slightly elevated at 3.43
Future
65/100
Ref Growth rates
Positives
- Earnings growth (10.8% YoY)
- Positive Q/Q earnings progression
Watchpoints
- Low revenue growth (3.2%)
Past
85/100
Ref Historical trends
Positives
- 1Y return of +43.9%
- Strong 3Y return of +69.8%
- Consistent EPS surprise track record
Watchpoints
No urgent risks highlighted.
Health
50/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score 4/9 is in the 'Stable' range
Watchpoints
- F-Score is not in the 'Strong' range (7-9)
Dividend
80/100
Ref Yield, Payout
Positives
- Yield of 4.21%
- Payout ratio under 60%
Watchpoints
No urgent risks highlighted.
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$49.43
Analyst Target
$54.13
Upside/Downside
+9.5%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for TFC and closest competitors.
Updated 2026-04-16
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
TFC
Truist Financial Corporation
Primary
|
+9.1% | +69.8% | +43.9% | +22.9% | +10.8% | -2.1% |
|
HOOD
Robinhood Markets, Inc.
Peer
|
+99.0% | +613.7% | +66.5% | -51.6% | -12.0% | +0.3% |
|
APO
Apollo Global Management, Inc.
Peer
|
+156.0% | +86.2% | -18.9% | -14.2% | +3.9% | +0.7% |
|
TRV
The Travelers Companies, Inc.
Peer
|
+111.8% | +84.7% | +21.8% | +11.9% | -1.7% | -0.8% |
|
AJG
Arthur J. Gallagher & Co.
Peer
|
+125.8% | +32.2% | -11.3% | -19.3% | -2.9% | -2.0% |
TFC
Truist Financial Corporation
Primary
5Y
+9.1%
3Y
+69.8%
1Y
+43.9%
6M
+22.9%
1M
+10.8%
1W
-2.1%
HOO
Robinhood Markets, Inc.
Peer
5Y
+99.0%
3Y
+613.7%
1Y
+66.5%
6M
-51.6%
1M
-12.0%
1W
+0.3%
APO
Apollo Global Management, Inc.
Peer
5Y
+156.0%
3Y
+86.2%
1Y
-18.9%
6M
-14.2%
1M
+3.9%
1W
+0.7%
TRV
The Travelers Companies, Inc.
Peer
5Y
+111.8%
3Y
+84.7%
1Y
+21.8%
6M
+11.9%
1M
-1.7%
1W
-0.8%
AJG
Arthur J. Gallagher & Co.
Peer
5Y
+125.8%
3Y
+32.2%
1Y
-11.3%
6M
-19.3%
1M
-2.9%
1W
-2.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.94
Forward P/E
9.69
PEG Ratio
1.26
P/B Ratio
1.04
P/S Ratio
3.43
EV/Revenue
5.04
EV/EBITDA
N/A
Market Cap
$63.23B
Profitability
Profit margins and return metrics
Profit Margin
28.8%
Operating Margin
32.7%
Gross Margin
N/A
ROE
8.24%
ROA
0.98%
Growth
Revenue and earnings growth rates
Revenue Growth
+3.2%
Earnings Growth
+10.8%
Q/Q Revenue Growth
+3.68%
Q/Q Earnings Growth
+6.1%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$37.39
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$5.2B
Net Margin
25.8%
Total Assets
$547.5B
Liabilities
$482.3B
Equity
$65.2B
Debt/Equity
7.40x
Operating CF
$2.6B
Free Cash Flow
$2.6B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-17
$N/A
2026-01-21
$1.12
+2.7% surprise
2025-10-17
$1.04
+5.0% surprise
2025-07-18
$0.9
-2.2% surprise
Financial Services Sector Comparison
Comparing TFC against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
12.94
This Stock
vs
36.01
Sector Avg
-64.1%
(Discount)
Return on Equity (ROE)
8.24%
This Stock
vs
-0.73%
Sector Avg
-1224.0%
(Below Avg)
Profit Margin
28.8%
This Stock
vs
91.62%
Sector Avg
-68.6%
(Weaker)
Revenue Growth
3.2%
This Stock
vs
35.27%
Sector Avg
-90.9%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
TFC
Truist Financial Corporation
|
BULLISH | $63.23B | 12.94 | 8.2% | 28.8% | $49.43 | |
|
HOOD
Robinhood Markets, Inc.
|
NEUTRAL | $62.39B | 33.8 | 22.0% | 42.1% | $69.3 | Compare |
|
APO
Apollo Global Management, Inc.
|
NEUTRAL | $64.16B | 19.95 | 14.7% | 11.0% | $110.55 | Compare |
|
TRV
The Travelers Companies, Inc.
|
NEUTRAL | $64.73B | 10.91 | 20.7% | 12.9% | $299.33 | Compare |
|
AJG
Arthur J. Gallagher & Co.
|
BEARISH | $65.03B | 40.0 | 9.1% | 13.3% | $253.21 | Compare |
TFC
Truist Financial...
BULLISH
Mkt Cap
$63.2B
P/E
12.9
ROE
8.2%
Price
$49.43
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-13 | BENDER BRADLEY D | Officer | Stock Award | 7,821 | - |
| 2026-03-13 | POWELL CYNTHIA B | Officer | Stock Award | 1,929 | - |
| 2026-02-24 | TANNER BRUCE L | Director | Stock Award | 4,027 | - |
| 2026-02-24 | BOYER K DAVID JR | Director | Stock Award | 4,027 | - |
| 2026-02-24 | PRUZAN JONATHAN M | Director | Stock Award | 4,027 | - |
| 2026-02-24 | STEIN LAURENCE | Director | Stock Award | 4,027 | - |
| 2026-02-23 | POWELL CYNTHIA B | Officer | Stock Award | 7,266 | - |
| 2026-02-23 | ROGERS WILLIAM H JR | Chief Executive Officer | Stock Award | 77,787 | - |
| 2026-02-23 | STENGEL SCOTT A | Officer | Stock Award | 6,908 | - |
| 2026-02-23 | WILSON DONTA L | Officer | Stock Award | 23,484 | - |
| 2026-02-23 | MAGUIRE MICHAEL BARON | Chief Financial Officer | Stock Award | 18,300 | - |
| 2026-02-23 | LESHER KRISTIN | Officer | Stock Award | 17,087 | - |
| 2026-02-13 | BENDER BRADLEY D | Officer | Stock Award | 2,604 | - |
| 2026-02-13 | STENGEL SCOTT A | Officer | Stock Award | 11,416 | - |
| 2026-02-12 | LESHER KRISTIN | Officer | Stock Award | 54,831 | - |
BENDER BRADLEY D
Officer
2026-03-13
7,821 shares
POWELL CYNTHIA B
Officer
2026-03-13
1,929 shares
TANNER BRUCE L
Director
2026-02-24
4,027 shares
BOYER K DAVID JR
Director
2026-02-24
4,027 shares
PRUZAN JONATHAN M
Director
2026-02-24
4,027 shares
STEIN LAURENCE
Director
2026-02-24
4,027 shares
POWELL CYNTHIA B
Officer
2026-02-23
7,266 shares
ROGERS WILLIAM H JR
Chief Executive Officer
2026-02-23
77,787 shares
STENGEL SCOTT A
Officer
2026-02-23
6,908 shares
WILSON DONTA L
Officer
2026-02-23
23,484 shares
MAGUIRE MICHAEL BARON
Chief Financial Officer
2026-02-23
18,300 shares
LESHER KRISTIN
Officer
2026-02-23
17,087 shares
BENDER BRADLEY D
Officer
2026-02-13
2,604 shares
STENGEL SCOTT A
Officer
2026-02-13
11,416 shares
LESHER KRISTIN
Officer
2026-02-12
54,831 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
19 analysts
JP Morgan
2026-04-07
Neutral
Neutral
Morgan Stanley
2026-03-31
Overweight
Overweight
Jefferies
2026-03-26
Underperform
Baird
2026-03-09
Neutral
Outperform
Morgan Stanley
2026-02-17
Equal-Weight
Overweight
JP Morgan
2026-02-09
Neutral
Neutral
Evercore ISI Group
2026-02-05
Outperform
Outperform
Argus Research
2026-01-23
Buy
Buy
TD Cowen
2026-01-22
Buy
Buy
Piper Sandler
2026-01-22
Neutral
Neutral
Past News Coverage
Recent headlines mentioning TFC from our newsroom.
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No matching news yet.